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Own Damage Two-Wheeler Insurance Online
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Sonam Sharma
Assistant Vice President
Experienced insurance professional with 14 years in Automotive risk underwriting , Auto Claim portfolio management, project management, digital transformation and change management.
Own Damage Bike Insurance, also known as a Standalone Own Damage (SAOD) policy, is a dedicated insurance policy that covers your bike or scooter in the event of damage or loss. For example, it will cover repair costs due to accidents, collisions, natural disasters, fires and bike theft. An SAOD policy is an optional cover that can be purchased separately if you already possess a third-party bike insurance policy, according to IRDAI regulations effective from September 1, 2019.For instance, if you purchase a new bike or scooter from a dealership, the dealer will typically provide you with a 1-year Own Damage policy along with 5 years of Third-Party insurance in accordance with IRDAI guidelines from August 2020. While your Third-party insurance remains valid, after the first year of your policy, you have the option to buy our SAOD plan to ensure your bike stays covered.Reliance own damage bike insurance offers coverage starting at just ₹19 per day*. Under our plan, you can enhance coverage with 2 add-on bundles that include covers like zero depreciation and engine protector, while enjoying quick claims and an instant online purchase process that takes less than 2 minutes*!
Buying own damage bike insurance online from Reliance General Insurance is quick, convenient and offers instant coverage on purchase. With us, you enjoy fast, 24/7 tech-enabled services and unmatched savings.
Own-damage bike insurance covers damages caused to your bike that a third-party insurance doesn’t pay for during an accident. If you bought your vehicle after 2019 and it is less than 5 years old, then this is the policy you need, considering you may already have a third-party cover offered by your dealership.
Raising a claim after an accident can be a stressful event! With the Reliance Self-i App, you get instant claim registration for your Own Damage policy along with video-based inspection initiated through your mobile. This not only saves time and effort but also ensures a speedy claim settlement with minimal paperwork.
With Reliance Own Damage Insurance, get access to a vast network of partner garages across India! No matter where your bike or scooter breaks down, our 11,000+ network garages* across India ensure you get access to cashless repair services without paying anything from your pocket. That's right, we settle the repair costs for you!
Imagine having the flexibility to buy your two-wheeler policy only for the duration you ride your bike or scooter! Our Standalone Own Damage policy comes with the flexibility to buy and renew for shorter tenures, such as 3-4 months*, thereby reducing the impact on your budget. You can also go for long-term plans and still get discounts*.
We offer 2 add-on bundles* under your plan to help reduce out-of-pocket costs. By choosing covers like zero depreciation, engine protection and key replacement, you get enhanced protection for your bike or scooter. You can even tweak the insured value of your bike to suit your budget.
You can now get a Personal Accident cover (PA) of ₹15 lakhs* with your SAOD bike insurance, as mandated by IRDAI, in case you do not have any other personal accident policy of similar value. This will help cover any medical costs you may have to pay for treating injuries sustained during an accident.
This one-year plan, purchased over and above your third-party policy, covers damages to your two-wheeler due to accidents, fire, natural calamities or theft. Ideal for everyday riders who want reliable, affordable and renewable protection year after year. We also offer long-term options up to 5 years*.
A flexible, limited-duration policy that protects your bike for a short span. Perfect for temporary use or seasonal riders, this policy offers the same coverage benefits without the long-term commitment. E.g., You don't ride your bike during monsoons, so you'd only need own damage coverage for a couple of months.
Must Read: Single-Year or Multi-Year Two-wheeler Insurance: Which Is Better?
Extend the coverage of your bike insurance by adding these optional add-on covers. Each add-on gives you extra protection and reduces the amount you may have to spend from your pocket after a mishap.
Money Saver
Popularly known as Bumper to Bumper, this add-on ensures that at the time of a claim, you get full claim amount for replaced parts like plastic, rubber and fibre without any deduction for depreciation. It typically covers up to two claims a year.
Extra Scooter Protection
Engine repairs can be expensive following an accident. This add-on cover addresses damages resulting from engine failures, oil leakages, water ingression, hydro lock, and more, which are typically not included in your standard insurance policy.
If your helmet gets stolen or damaged in an accident, this cover reimburses you for its replacement. It is a valuable add-on since helmets are both costly and legally mandatory. This way, you stay safe while on the road and are covered for out of pocket costs.
If your bike keys or lockset are lost, stolen or damaged, this add-on covers the cost of replacing or repairing them. It also covers digital keysets since most modern bikes do come with them.
This add-on covers cost for repairs or replacement if they burst, bulge or get cut due to impact or road conditions. Given how expensive tyre replacement is, this add-on is a must for two-wheeler owners.
If you have built up a no claim bonus in bike insurance over time, this add-on cover lets you keep that discount even after filing a claim. This is applicable for up to one claim in a policy year and helps you retain discounts on renewal premiums.
The consumable replacement or addition during repairs accounts for 5-10% of your repair bill! After an accident, you may need to replace engine oil, nuts, bolts and brake fluid. This add-on covers the cost of such consumables, which are usually excluded from standard plans.
If your bike is undergoing repairs in a network garage for more than 21, 42, or 63 days* due to major damage after an accident, this add-on cover pays up to three of your bike loan EMIs so that your loan doesn’t become a financial stress.
If your bike or scooter has been under repair in a network garage for more than 2 days, this cover gives you a fixed daily allowance* to help you pay for alternative transport until your bike is back on the road. The amount is decided based on your policy SI and the value of your vehicle.
We offer 15+ add ons to ensure you get the most comprehensive protection when it comes to your Bike. Now get extra protection with bundled own-damage bike insurance packages with Reliance General Insurance to make the choice convenient for you.
Note: Kindly go through your policy wordings for a detailed list of inclusions and exclusions.
Our Standalone Own Damage Insurance comes with the flexibility of choosing your policy tenure, whether it is for a year or 5 years*, you can pick an annual, short-term or multi-year OD policy based on your needs. A long-term plan saves you from yearly renewals and premium hikes. A short-term plan offers temporary, affordable coverage.
Our 2 pre-bundled add-on packages* offer comprehensive benefit along with maximum coverage. Choose from Secure Plus or Secure Premium to ensure extensive protection for your bike or scooter.
Your Insured Declared Value (IDV) is the current market value of your two-wheeler that you get when your vehicle is irreparably damaged or stolen. Your choice of IDV has a direct impact on the premium charged and hence it is advisable that you keep it optimum enough for affordable premium without any major loss in value during claims.
An unforeseen incident can occur at any time! No matter where your bike or scooter breaks down in India, our 11,000+ partner garages* ensure you get access to cashless repair services without paying anything from your pocket.
Note: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Note: Check out the complete list of own-damage claim documents here.
Reliance own damage bike insurance covers your bike against damage from accidents, natural disasters, fire and bike theft. It’s a great way to get affordable coverage for your bike since it’s often cheaper than getting a comprehensive plan if you already have a third-party bike insurance policy.With our policy, you get coverage starting at just ₹19 per day*, instant buying and renewal processes online, 24/7 customer support and quick claims through the Reliance Self-i app. So, in case of accidents or damage, you can quickly contact us and file bike insurance claims through your phone.You also get access to add-on covers under our 2 specialised add-on bundles*, so you can enhance coverage, up to an 80%* discount on premiums, and the flexibility to choose between short and long-term plan options, ranging from a few months (3-4 months) to 5 years*. Get a #ZeroTensions Policy with Reliance General Insurance today!
Use this simple formula to calculate your two-wheeler’s IDV: IDV = (Ex-showroom price – Depreciation) + (Value of Accessories – Applicable Depreciation)Where:
Choosing the right IDV helps you avoid underinsurance and ensures a fair claim settlement.
No, own-damage bike insurance is not mandatory. However, it is highly recommended if you want to protect your two-wheeler from expenses due to accidents, fire, theft or natural disasters.
This policy is ideal for:
Yes. Buying your policy online often gives you access to exclusive discounts (up to 80%) and helps you compare plans and customise add-ons quickly, all from your phone or computer.
Yes, short-term own-damage policies are available. These are perfect if you need temporary coverage, ranging from a day to a few months, such as during intercity moves or test drives.
Yes. If your bike is damaged while being transported via road, rail, air or lift, your own-damage policy will typically cover the repairs, subject to policy terms and conditions.
The premium is based on factors like your bike’s make, model, engine capacity, registration year, location and selected policy duration. You can use the Reliance bike insurance premium calculator to get a quick estimate.
To save on premiums:
Yes. You can file your claim through Reliance General Insurance’s 24x7 claims helpline or via the Reliance Self-i mobile app for quick video-based inspections and faster settlements.
Absolutely. You can enhance your policy with add-ons like Zero Depreciation Cover, Engine Protection, Key Replacement, and more to suit your riding style and usage.
In case of theft or total loss, you will receive a claim amount equal to the Insured Declared Value (IDV), or the market value, of your bike after applicable depreciation, as per the terms of your policy.
*T&C apply. Policy will be issued / renewed only if TP policy is in force. Details mentioned here are for the product- Reliance Two Wheeler Policy- Stand-alone Own Damage (UIN- IRDAN103RP0002V01201920). For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
#The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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